tag:blogger.com,1999:blog-31137535322749888362012-02-16T21:55:28.415-05:00Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.comBlogger201100tag:blogger.com,1999:blog-3113753532274988836.post-11272521937014540412010-03-19T01:28:00.000-04:002010-03-19T01:29:11.487-04:00

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Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com1tag:blogger.com,1999:blog-3113753532274988836.post-51164438299866193552010-01-27T17:43:00.004-05:002010-01-28T00:44:55.108-05:00

When does it end. In a previous post at debthelp.tv I wrote about America's Servicing Company aka Wells Fargo's home retention representative refusing to let a homeowner pre-qualify for a federal government approved modification program. This time, a homeowner was "unlogged"Recently, I was asked to assist a friend with a Countrywide/Bank of America home loan modification. With my assistance,

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-25405216727550649332010-01-11T01:05:00.003-05:002010-01-11T01:13:22.685-05:00

People all over are looking for ways to survive during this economic crunch. What can property owners do if they can't sell their house? They can rent out the house or rooms in the house. Often these homeowner, now accidental landlords, end up moving into a cheap apartment while there home is rented. Time magazine has a good introductory article on this phenomenon. The author notes that this can

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-10305243583592048292009-12-26T14:52:00.006-05:002009-12-26T15:00:57.052-05:00

The beginning of this blog said "WELCOME ONE WELCOME ALL". I wrote:This site is the populist fight back by ordinary people and small businesses against all kinds of scams, programs, giveaways, and bailouts that use your money and assets.Well, this holiday season helped me realize why a blog like this is important. The holidays are usually a time for collective activity with family, friends, or

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-76382040927569038622009-12-20T21:26:00.008-05:002009-12-21T01:50:52.729-05:00

I've been working with people regarding strategic default for years. Even though it seems to apply to real estate loans, it actually applies to any loan. Let me state my position right now: I believe that Strategic Defaults are an effective means of cash and wealth preservation. Of course before a decision can be made the benefits and risks must be made. It is our experience that after careful

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-64487494258248741402009-12-04T01:26:00.003-05:002009-12-04T01:34:31.747-05:00

At this point of time, there is a financial crisis facing millions of people and businesses in the United States. The crisis is not limited to a specific socioeconomic group of people. Across the income spectrum, the primary financial problem is debt. What is unique about this current economic crisis is that the debt contagion has also infected financial institutions and has affected local,

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-11228743024838557862009-10-05T19:27:00.004-04:002009-10-05T20:16:29.623-04:00

So it started with a woman posting a You Tube video. She was angry at Bank of America for continuing to victimize her. The bank raised her credit card interest from 17% to 30%. Like most people who don't understand that BANKS ARE DESPERATE & WILL DO ANYTHING TO GET MONEY, she believed she could speak to the bank and ask them to reduce her interest rate. By the way, did I mention she never missed

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-78330623359598434232009-10-05T10:02:00.005-04:002009-10-05T10:45:11.109-04:00

As you know, this blog is about taking control of your life. Your money. Your wealth. We focus on how to protect yourselves against the MONEY GRAB going on by banks. While most banks stay on the right side of thing...the fact is WHEN A BANK IS TROUBLE, WATCH OUT BECAUSE IT'S YOUR MONEY THAT'S GRABBED. Almost Everyone one, every organization has a debt problem. But of course, when debt problems

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-14860637706566147032009-09-08T21:01:00.007-04:002009-09-08T21:55:18.773-04:00

I guess it boggles the mind when are lead to believe "The Economy is getting better."We are living in the Economic Theory of Relativity. It goes something like this. In the beginning of the year we were told that THIS IS THE WORSE ECONOMIC CRISES SINCE THE GREAT DEPRESSION. Fear everywhere. Banks were collapsing. Governments were crumbling. People hoarding cash. Pensions going bust. Trillions of

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-80365674091806554492009-08-19T23:12:00.007-04:002009-08-20T00:03:05.029-04:00

Let's keep this real simple.If you have a Chase credit card then you should not have your checking or savings account with Chase. And don't forget, Chase owns Washington Mutual.If you have a Bank of America mortgage then you should not have your checking or savings account with Bank of America. And don't forget, Bank of America owns Countrywide, so the same rule applies.This rule applies if you

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com1tag:blogger.com,1999:blog-3113753532274988836.post-74777202508462632982009-07-27T22:48:00.008-04:002009-08-10T11:26:09.345-04:00

I have learned so much from talking to people who can't pay their mortgage. They are afraid they will lose their home. They are concerned about their kids, their family, their stability. On top of that they usually have high credit card debt. Most of all, they take it personally and feel like they failed. They feel like they're not in control because of tight finances.I always say "I've been

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-61628379431897361202009-07-17T10:35:00.002-04:002009-07-17T11:03:04.345-04:00

All too often, when a homeowner is served with foreclosure papers, they put it in the junk mail pile. In fact, homeowners pretend that it does not exist. Just a thick package of papers that will magically disappear. Sometimes, homeowners think that by talking to the bank on the phone, the foreclosure case is somehow stopped.It's only when they receive a Notice of Sale all hell breaks loose. All

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-24280354625013589102009-07-09T09:10:00.005-04:002010-02-14T18:18:02.969-05:00

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Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com1tag:blogger.com,1999:blog-3113753532274988836.post-3368815517921657242009-06-18T02:36:00.004-04:002009-07-05T01:34:25.866-04:00

I took a two month break, now getting back into writing this blog. It's amazing what can happen in just 60 days. Especially personally. I learned that the only way is the RIGHT WAY. I truly understood that I am totally responsible for my decision and actions. Each person has a unique way, there own RIGHT WAY, which may not be YOUR WAY, but at the END OF THE DAY who cares. As long as it ALL WORKED

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-49354675676230242742009-04-29T00:35:00.005-04:002009-06-18T02:34:29.569-04:00

This is my advice to you, when a lender or creditor calls asking for their money:You Say : "Listen, Mr. Lender. I accept that I owe you money. It's true I have missed my monthly payments. There is no question I am behind. The truth is...I don't have any money to give you. Let me tell you why...I have lost my job or my spouse lost his/her job or I made bad investment decisions or my business

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-11733059345641895632009-04-23T20:19:00.002-04:002009-04-23T20:53:34.085-04:00

Hello all. It is time to talk about certain money collection practices by the Lenders which are UNFAIR. And that's just being mild. While I respect the right for a bank to collect on a loan, if they have received money from taxpayer funded TARP or GARP or TALF or RALPH programs (b/c they have debt issues) then they better be show the same respect to you because of your debt issues. Most of us

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-74162793769652111492009-03-22T10:21:00.018-04:002009-08-10T09:56:04.814-04:00

What do you do if you don't have enough money for a mortgage loan modification?What if you can't sell you property because the equity is gone?What if you can't get a Short Sale?What if you can't get the money to keep your property?What if you don't want to file for bankruptcy?You have the option to give the property to the bank. This is normally called a deed in lieu of foreclosure. Essentially,

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-86793910801939325562009-03-18T12:57:00.000-04:002009-03-18T13:02:19.402-04:00

The Mortgage Forgiveness Debt Relief Act of 2007On December 27, 2007, President Bush signed the Mortgage Forgiveness Debt Relief Act[1] of 2007 (HR 3648) into law.This law established a 3 year moratorium that prevents any debt forgiven by a lender from being counted as income by the Internal Revenue Service (IRS). Basically, if a homeowner negotiates a short sale or any other type of debt

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-84584595738574506732009-03-16T01:16:00.000-04:002009-03-16T01:43:01.529-04:00

I want to jump right into this. The following are true stories involving Bank of America ("BOA:) and it's DESPERATE debt collection practices:1. In August 2008, BOA took over $20,000 from a joint account held by a husband and wife to pay off a business loan taken out by the husband, even though the business loan was never in the wife's name and never in the husbands name. The money was never

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0tag:blogger.com,1999:blog-3113753532274988836.post-55723406473718775862009-03-16T00:49:00.000-04:002009-03-16T01:12:53.941-04:00

Thank you for tuning in to NEVER SIGN YOUR DEED. This site is the populist fight back by ordinary people and small businesses against all kinds of scams, programs, giveaways, and bailouts that use your money and assets. This isn't about Madoff types only. I recall that Nouriel Roubini commented on Madoff by saying "Madoff is a reflection of" all of us, our society. Let's face it, everyone was on

Augustine Dijihttp://www.blogger.com/profile/06776583584776124419noreply@blogger.com0